TellerScore

Headquartered in Philadelphia, Pennsylvania, Mount Carmel Baptist Federal Credit Union is a federal credit union with $780K in total assets and $609K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1964.

Mount Carmel Baptist Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 102nd. Capital cushion contributes the most (100/100, 21.86%); earnings contributes the least (2/100, -0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.86%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings2/100
Return on assets (annualized): -0.45%
Funding & liquidity100/100
Loans ÷ shares: 9.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 16 points (96 → 80), mostly because the earnings component weakened by 80 points.

TellerScore
698499Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202469
Q4 202473
Q1 202595
Q2 202596
Q3 202599
Q4 202590
Q1 202685
Q2 202680
Net worth ratio
7.00%15.69%24.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202423.82%
Q3 202424.38%
Q4 202423.93%
Q1 202523.96%
Q2 202524.32%
Q3 202523.84%
Q4 202523.21%
Q1 202623.08%
Q2 202621.86%
Delinquent loans (60+ days)
0.00%1.68%3.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20243.36%
Q4 20242.57%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.45%0.74%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.28%
Q3 20241.30%
Q4 20241.35%
Q1 20251.43%
Q2 20251.55%
Q3 20251.93%
Q4 20250.71%
Q1 20260.15%
Q2 2026-0.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$780K21.86%0.00%-0.45%9.3%
Q1 202685$748K23.08%0.00%0.15%6.7%
Q4 202590$742K23.21%0.00%0.71%7.8%
Q3 202599$746K23.84%0.00%1.93%8.7%
Q2 202596$710K24.32%0.00%1.55%9.4%
Q1 202595$708K23.96%0.00%1.43%8.8%
Q4 202473$698K23.93%2.57%1.35%8.1%
Q3 202469$673K24.38%3.36%1.30%7.8%
Q2 202487$680K23.82%0.84%1.28%9.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio21.86%
82nd
Problem loans0.00%
94th
Net charge-offs-0.53%
98th
Return on assets-0.45%
11th
Loans to deposits9.3%
98th
Uninsured deposits0.0%
81st
Loan-loss reserves8.88%
98th
Texas ratio0.0%
93rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Steamfitters Phila Federal Credit UnionCredit union West Chester, PA87 out of 100, Very strong$744K15.5%0.00%vs
New Life Federal Credit UnionCredit union Philadelphia, PA80 out of 100, Strong$843K23.1%0.00%vs
E R R L Federal Credit UnionCredit union Wyndmoor, PA67 out of 100, Moderate$1.0M10.6%0.00%vs
Lonza Federal Credit UnionCredit union Williamsport, PA57 out of 100, Moderate$490K25.4%2.61%vs
Bradford Area School Employees Federal Credit UnionCredit union Bradford, PA90 out of 100, Very strong$1.1M22.9%0.12%vs
Pinn Memorial Federal Credit UnionCredit union Philadelphia, PA91 out of 100, Very strong$276K18.1%0.00%vs

Deposit insurance

Is my money safe at Mount Carmel Baptist Federal Credit Union?

Yes. Mount Carmel Baptist Federal Credit Union is a federally insured credit union (NCUA charter #16525). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mount Carmel Baptist Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mount Carmel Baptist Federal Credit Union
Type
Federal credit union
NCUA charter #
16525
RSSD ID
622886
Primary regulator
NCUA
Established
1964
Headquarters
5800 Race St, Philadelphia, PA 19139

Quick answers

Mount Carmel Baptist Federal Credit Union: common questions

Is Mount Carmel Baptist Federal Credit Union NCUA insured?

Yes. Mount Carmel Baptist Federal Credit Union is a federally insured credit union (NCUA charter #16525). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mount Carmel Baptist Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mount Carmel Baptist Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Philadelphia

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs